Payday lenders and other lenders like them in the Shenandoah Valley will not be listed on this site. By offering fast cash loans and title loans against vehicles, these lenders jeopardize the well-being of families across America. Think about it, you are borrowing against your car. If you fail to pay on time, how will you get to work to pay the debt off?

You will probably see advertisements for these lenders on this page (only) on the right side and in the top banner. If you want to see what they offer, just visit a few of them and check out their offers to get you fast approval which means they will be glad to charge insane interest rates, sometimes as high as 400%.

Especially dangerous are companies that offer loans even if you have bad credit. Remember, they are still in business for a reason, and no matter what they say, it isn't to help you.

Be careful when offered credit cards with low introductory rates and high credit limits. While credit cards are useful tools, if they are over-used, they can quickly become a debt trap. A better alternative is the debit card which can attach to your checking account and if the money isn't there, it can't be spent.

Again, to see what is really offered, read the fine print when you visit one of the advertisers on the top or right edge of this page.

The last financial tip we offer is to read the fine print on interest only loans or mortgages on housing. Unless you are very disciplined, the low interest rates can get you in trouble, since you aren't paying on the principle of the loan. Most often these interest rates are locked in for a year or so and the principle is due in full in about ten years, meaning you end up refinancing. If your house value falls, you still have no equity, since you haven't paid anything on the balance.